Normal bank loans will be completed in a week or so. If the user applies for bank online loan, the review time is short, and basically the bank can complete the loan on the same day.

Bank loan application threshold is higher. If the applicant has good qualifications, the time for bank review will be much faster. If the applicant's qualifications are poor, it is likely that he will not be able to borrow money from the bank.

How long can a bank loan be released?

First of all, answer directly.

Under normal circumstances, the lending time of banks is not fixed. The types of loans applied by borrowers are different, the approval process is different, and the lending time is different.

Second, the specific analysis

1, consumer loan

When a borrower applies for a consumer loan based on personal credit, generally speaking, it can be completed within 7 working days from loan approval to loan release.

If it is a bank's online micro-loan, basically it will be submitted for approval on the same day, and the loan can be completed on the same day. If the applied loan amount is high, the bank needs to inquire more information, and the loan can be completed in three days.

2. Mortgage loan

Mortgage loans generally require borrowers to provide collateral. When the bank approves the loan, it needs to send the collateral to the evaluation company for value evaluation, which takes about 5 days.

Therefore, mortgage loans need more time than consumer loans. Generally, it takes about 7- 15 days from the borrower's loan application to the loan approval.

If the collateral submitted by the borrower is mainly shops and office buildings, the evaluation time will be longer. Because the evaluation value of such collateral needs to be combined with many factors such as location and time.

3. Mortgage loan

If the borrower applies for a mortgage, then the approval time will take more time.

Official website, a big bank, shows that it usually takes 7- 15 working days from submitting a loan application to giving the approval result. After that, a face-to-face signing is required, and the loan can only be made after the face-to-face signing is completed. Generally, it takes 1-3 months to approve a mortgage loan.

When people use the central bank's credit records, they will leave traces of inquiry, which is not good for lending friends, and most online loans are not credit-seeking, so they can't find specific online loan information when they are credit-seeking, but now they can learn their personal data through the data of "Xiaoqi Credit Information", and at the same time, they can learn more information about overdue online loans, application records, untrustworthy information, online loan blacklists and so on without leaving traces.

Third, expand information.

How many people does the bank lend to a day?

How many people a bank lends a day mainly depends on how much money it can lend that day.

On the same day, the bank will not lend to several people according to the number of people, but according to the loan amount.

The bank will split the loan amount that can be issued on the same day. Initially, it will issue loans one by one according to the time when the mortgage is approved. When the final quota is insufficient, the microfinance quota will be given priority, and the remaining loan quota generally needs to wait.

For example, the bank still had a loan amount of 6,543.8+0,000 yuan in that month, and A Shen applied for 800,000 yuan and B applied for 6,543.8+0.2 million yuan. The average bank will choose to give a mortgage first, and B will move to next month.

How many days can the bank loan be approved?

Credit loans can generally be approved in 5-7 days; Mortgage loan will involve more processes than credit loan, and it usually takes 15-20 working days to complete the approval; However, housing loans will be affected by local policies. If the current bank lending is tight, it will probably take 1 month or several months to complete the approval.

At the same time, the approval time of bank loans will also be affected by the loan peak season and low season. If it is the peak season, the loan approval will be relatively slow, while in the off-season, because there are fewer applicants, the approval speed will be much faster.

Extended data:

Matters needing attention in bank loans

1. Apply for the loan amount according to your own ability.

When applying for a loan, you should have a correct understanding of your repayment ability, and at the same time make a correct and objective prediction of your future income and expenditure to avoid overdue due to your inability to repay the loan.

2. Choose the repayment method that suits you best.

Different repayment methods will lead to different interest payments. There are two common repayment methods for general mortgage: matching principal and interest and average capital. The advantage of matching principal and interest repayment method is that the monthly repayment amount is the same, and the borrower can arrange the family's income and expenditure in a planned way. However, the interest will be more. The advantage of average capital is that the interest paid is less than the matching principal and interest. As time goes by, the burden of repayment will become lighter and lighter, but the amount to be repaid in the early stage will be more.

3. Provide my information accurately and timely.

The address and contact information provided by the borrower to the bank must be accurate to facilitate bank contact. If there is any change, the borrower must contact the bank in time to inform the new address and contact information. The application materials provided to the bank should also be true and complete, otherwise it is likely that the loan will be rejected directly.

How long can a bank loan be released?

Generally speaking, different banks have different regulations and different approval processes, so the speed of lending will be different. The specific situation requires lenders to implement according to relevant bank regulations. \x0d\ Under normal circumstances, it takes half a month for the borrower to apply for a loan if the relevant loan conditions are met and the procedures are complete. However, it is normal to apply for loans, such as mortgages, for one month, because it is more troublesome and the property needs to be mortgaged to the bank. \x0d\ mortgage loan is a personal housing loan business in which buyers use the purchased houses as collateral and their real estate enterprises provide phased guarantees. The so-called mortgage means that the mortgagor transfers the property rights of the house to mortgage, and the beneficiary acts as the repayment guarantor. After the mortgagor pays off the loan, the property rights involved are immediately transferred to the mortgagor, and the mortgagor enjoys the right to use in this process.